5 Steps to becoming debt-free

Dec 17, 2018 11:38:08 AM

Online shopping means spending money has never been easier. The convenience of never having to leave home to buy everything you need comes at a price though, as it’s just as easy to overspend and end up in debt. The good news is it is possible to break that cycle of overspending and be debt-free. We share a few simple steps to help get you started.


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Topics: Debt Consolidation, Debt to Income Ratio, Household Debt, Christmas Debt, Christmas spending, Mortgage Debt, Debt-free

Planning your financial future

Dec 17, 2018 11:27:47 AM

One in three kiwis admits to letting their money take care of itself and hasn’t planned ahead for their financial future, according to BNZ’s financial futures research undertaken during 2017. Are you one of those who may have lost sight of your long-term goals, simply living life for today? Here are some steps you can take to increase your savings and build a solid foundation for future financial success.


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Topics: finance health check, Christmas Debt, Budgeting, Mortgage Debt

Setting a Christmas budget

Dec 11, 2018 7:02:31 AM

It’s easy to get wrapped up in the busy-ness of the season and end up spending far more than you intended at Christmas time. From buying extravagant gifts to decorating your home to the endless entertaining: Christmas spending quickly adds up. Which is why creating a Christmas budget makes perfect sense. Here are some key steps you can take to set a budget for Christmas that won’t break your bank.


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Topics: Household Expenses, Christmas, Household Debt, Christmas Debt, Budgeting, Christmas spending, Mortgage Debt

Refinancing Your Mortgage

Aug 13, 2018 10:06:07 AM

Refinancing your home loan has a number of benefits. A lower interest rate or better terms could help you pay off your mortgage much faster and help you reach your financial goals sooner. But, it’s important to be aware of the shortcomings too. Take a look at what you need to look out for when refinancing your mortgage.


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Topics: Refinancing Options, Mortgages, Housing Market, NZ Property, mortgage stress, refinancing, NZ Property Market, Mortgage Debt, NZ Mortgage Adviser

How old is too old when it comes to a mortgage?

Apr 16, 2018 9:27:06 AM

Older home buyers entering the market for the first time appear to be growing in numbers in Australia and New Zealand, as a combination of rising rents and low interest rates makes buying property a more attractive proposition. But, how big a factor is age when it comes to lenders determining your lending ability? Read on to find out.


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Topics: Retirement, Mortgages, NZ Finance, Home Loan, NZ Property, reverse mortgage, NZ Property Market, Mortgage Debt

Buying and selling at the same time

Mar 21, 2018 6:48:45 AM

Timing is often a challenge when it comes to buying a new home and selling an existing one. In a perfect world, both transactions would happen simultaneously. In reality though, you could end up owning two properties while you sell your existing home. That’s where bridging finance comes in.


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Topics: Retirement, Mortgages, NZ Finance, Bridging Finance, Home Loan, NZ Property, reverse mortgage, NZ Property Market, Mortgage Debt

Retiring with mortgage debt

Mar 19, 2018 12:00:00 AM

An alarming number of New Zealanders will retire with mortgage debt, says credit rating business Credit Simple, indicating that a financially secure retirement is out of reach for many Kiwis. But it needn’t be. Planning ahead today goes a long way towards securing your retirement income stream tomorrow.


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Topics: Retirement, Mortgages, NZ Finance, Home Loan, NZ Property, reverse mortgage, NZ Property Market, Mortgage Debt